I Finally Wrapped Up My Asset Allocation as a 30-Something Office Worker
We're in our third year of marriage and both working, so I've laid out the structure we're currently running. This isn't meant to be the right answer—just sharing our case.
1. Cash assets: six months' worth of living expenses in a parking account. I never touch this.
2. Stocks: I use only three ETFs with a 20/60/20 split across domestic, U.S., and emerging markets. I don't pick individual stocks.
3. Bonds: Since last year, I've allocated about 10% to short-term government bond ETFs. It's for dampening volatility.
4. Pension savings: I set up an automatic transfer every month up to the tax credit limit. It's a 20-year thing, so I just leave it alone.
The hardest part is rebalancing. I decided to do it once a year, but my hands keep itching to trade. How did you all set your rebalancing cycle?